How to get a better return on your fixed income with bond portfolios for more income, less risk for retirement. For those that want to be able to sleep at night than the answer may be to have a variety of bonds in a bond portfolios for more income, less risk for retirement.
When we hit retirement and we no longer have the monthly paycheck coming in our income has to come from other sources. Where that comes from will depends on the number of money stools that you have built up.
Retirement Stools:
- Government social security pension
- Retirement savings scheme like superannuation or a 401K fund
- Savings in the bank
- Other income producing asset classes like Investment Properties
It can be very tempting to go on a spending spree and buy all of those long desired luxuries. However, as we are living longer, well into our 80’s and beyond, our money has to last us a long time. It needs to be invested and drip fed back to us on a regular basis.
When we get to over 50 years of age then the sums of money we may have to handle can become larger, and this is when we need to learn and know about investing options for our nest egg. We may choose to have a Financial Planner make the investing suggestions for us but I think it is important to have some knowledge of investing, expected returns, and the effects of inflation over time and how it effects our money’s buying power. We need to be able to ask our financial advisor some intelligent questions.
Investing can be scary for some. There is a element of risk with any investments. For those that want to be able to sleep at night than bonds are in an asset class to allow you to do that. Elizabeth Moran works for FIIG, the fixed income specialists, and will help demystify the bond market for us today.
3:00 Introduction to Liz Moran
5:41 what is the Fixed Inome
8:00 Defensive asset class
13:15 Asset Classes
15:30 Direct ownership
17:20 Comparison to Term deposits
20:00 3 types of bonds
23:40 Corporate bonds
26:200 contact details
To connect with Elizabeth online
Have you listened to the last episode of Retire Well Retire Happy Podcast?
Leave a Reply